The self-disclosure is the structured overview of your finances that Spanish and Portuguese banks need to assess a non-resident application. All 65 fields from 11 sections are set out on this page, so you can see in advance what has to be gathered. The bilingual version, fillable on screen, is free by email.
It is the structured overview of your finances that Spanish and Portuguese banks need to assess a non-resident application. All 11 sections and 65 fields are set out on this page, with a fillable German/English version free by email.
Spanish and Portuguese bank forms are built for residents. The self-disclosure adds the four entries the assessment turns on — country of residence and tax status, residence permit, currency of income, and property held abroad.
Four calculations: whether the payment can be carried long term (Spain's usual 30–35 % debt-service ratio), whether there is enough equity (Spain up to 70 %, Portugal up to 80 %, plus non-financeable purchase costs), whether the term fits the age (repaid by 75, the younger borrower counting), and what is already committed.
The self-disclosure is the structured summary of your financial circumstances that Spanish and Portuguese banks require in order to assess a non-resident application. It covers eleven sections: personal data, tax status and residency, residence permit for non-EU applicants, bank account, current employment, monthly net income, monthly outgoings, available equity, existing property, other liabilities, and the signed declaration. Each section has two columns, one for the applicant and one for the co-applicant. Every field is set out openly on this page so that you can see in advance what has to be gathered — because follow-up requests are the single most common reason a Spanish financing drags on for weeks. The bilingual version, fillable on screen, is free and arrives by email; the template is dated May 2026. It replaces neither the bank's own paperwork nor a credit assessment — it prepares both.
This is the full content of the template. Knowing what is asked means gathering once instead of supplying three times — follow-up requests are the most common reason a Spanish financing drags on for weeks.
Persönliche Daten
Steuer-Status und Wohnsitz
Aufenthaltstitel (falls Nicht-EU)
Bankverbindung
Aktuelle Tätigkeit
Monatliche Einnahmen (netto)
Every line has its own field for the currency.
Monatliche Ausgaben
Every line has its own field for the currency.
Verfügbares Vermögen (Eigenkapital)
Bestehendes Immobilienvermögen
Sonstige Verbindlichkeiten
Erklärung
In the template, every section has two columns: applicant and co-applicant. Template as at May 2026.
Spanish and Portuguese bank forms are built for residents. Where residence and income are abroad, they lack exactly the fields the assessment turns on — and the bank then asks for them one at a time, costing days each round:
The bank does not assess you as a person; it runs four calculations. All four are already in the self-disclosure, before any application is filed — which is why this single sheet is enough to say whether a case holds.
Income minus expenses minus the future payment. For the self-employed the figure that counts is not turnover but taxable profit less tax and social security — the actual net. Two sets of annual accounts are required for that. The permitted debt-service ratio in Spain is usually 30 to 35 per cent; Germany works no differently.
Spain lends non-residents up to 70 per cent of the lower of purchase price and tasación, Portugal up to 80 per cent of the valuation. On top come the purchase costs, which no bank finances — 10 to 13 per cent of the price in Spain, around 10 per cent in Portugal. Both have to be demonstrably in place in section 8.
Loans are normally repaid by age 75. With two borrowers, the age of the younger one counts — 60 and 50 gives a 25-year term instead of 15. The younger borrower does not need qualifying income of their own, but both must be on the title, the smaller share holding at least 10 per cent.
Existing loans, guarantees and instalments reduce the payment you can carry. The other way round, property you already own can be what makes the purchase possible: an unencumbered German property carries up to 80 per cent of its lending value as capital for the purchase in Spain. That is exactly why section 9 asks about the free land charge.
Next: the documents that evidence these entries · requirements in detail · German property as security
The list above is complete — the template is that same structure as a fillable document: two columns for applicant and co-applicant, German and English side by side, fillable on screen and ready to sign.
Self-disclosure form to fill in, German/English (PDF, 3 pages) — open it directly, no form.
Assets and liabilities statement to fill in, German/English (PDF, 2 pages) — property, liabilities and other assets on one sheet. Lenders ask for it alongside the self-disclosure form as soon as you already own property.
The self-disclosure is a working template, not a loan application and not legal or tax advice. It does not replace the evidence the bank will also want to see — that is set out in the document checklists for Spain and Portugal.